Credit card -- Other features, terms, or problems -- Complaint #11802764
Complaint Overview
Complaint ID: 11802764
Company: U.S. Bancorp
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Problem with rewards from credit card
State: West Virginia
ZIP Code: 254XX
Date Received: 2025-01-27T12:00:00-05:00
Date Sent to Company: 2025-01-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
For the quarter XXXXXXXX XXXX I selected home utilities as one of my two 5 % reward categories for my USBank XXXX XXXX. In fact I paid my home utilities using this card, which caused me to incur transaction fees on each utility 's payment website. Because the transaction fees were less than 5 % for each payment, I thought it worthwhile to use this card. Pursuant to USBank marketing and promises, every home utility payment I made using my XXXX XXXX should have incurred 5 % cashback as a reward, which would offset the transaction fees. However, USBank assigned my home utility payments only the default 1 % cashback. Hence I lost money using this card to pay my home utilities. On XX/XX/year>XXXX I contacted USBank to request posting of the earned 5 % rewards. The representative I communicated with did not know why the 5 % rewards had not posted, and promised that the " research team '' would get back to me. USBank then sent me a letter declining to post the missing rewards.
Frequently Asked Questions
What is Complaint #11802764 about?
Complaint #11802764 was filed against U.S. Bancorp regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2025-01-27T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against U.S. Bancorp?
Yes, visit the U.S. Bancorp company profile at readthecomplaint.com/company/u-s-bancorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.